38 McCormick Rd, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 38 McCormick Rd, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,458 sqft · built 1984
Lot Size	26.8 acres (1,171,651 sqft)
Owner	Individual Name on File
Last Sale	$455,000 (Apr 2018)
Tax Bill	$6,933 (2026)
Deeds & Mortgages	Jul 2024 Line of Credit Jul 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00R47 B:00017 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00R47 B:00017 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,458 sqft Living Area
Gross Area	6,540 sqft
Basement Area	1,525 sqft
Unfinished Basement	1,525 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Material	Asphalt
Lot Area	1,171,651 sqft (26.8 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	38 MCCORMICK RD
City	SPENCER
State	MA
Zip	01562-1221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	17
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1007
Census Tract	726100

Owner

38 McCormick Rd is owned and occupied by an individual who bought it in April 2018.

Source: Worcester County and Spencer Town records, as of October 22, 2026

Owner of Record	Individual Name on File
Mailing Address	38 MCCORMICK RD, SPENCER, MA 01562-1221
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MILLBURY CU
Apr 18, 2018	Quit Claim Deed, Transfer · Conventional with PMI MILLBURY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2018 · Amount on File
Deed Sale	Apr 18, 2018 · Amount on File
Prior Sale	Jun 1, 1981 · Amount on File
Deed Book / Page	58681 / 141
Transfer Doc	058681-141
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	38 MCCORMICK RD, SPENCER, MA 01562-1221
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070754-136
Date	Jul 15, 2024
Book Page	70754/136
Instrument	54618

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	38 MCCORMICK RD, SPENCER, MA 01562-1221
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065636-192
Date	Jul 16, 2021
Book Page	65636/192
Instrument	99721

Lender

Name	MILLBURY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Apr 18, 2018
Property Address	38 MCCORMICK RD, SPENCER, MA 01562-1221
Document Number	58681-141
Book / Page	058681 / 000141
Instrument Date	Mar 30, 2018
Instrument	36120
Transaction Type	Transfer
Record Updated	May 8, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,074.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 MCCORMICK RD SPENCER MA 015621221, SPENCER, MA 01562-1221

Mortgage

Document Number	58681-145
Date	Apr 18, 2018
Book Page	058681/000145
Instrument	36121

Lender

Name	MILLBURY CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 17, 2048

Interest

Rate	3.5%

Tax Assessment & Valuation

The 2026 property tax bill for 38 McCormick Rd was $6,933, up 9,144% from the year before.

Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Spencer Town
Unified School District	Spencer-East Brookfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,933.00 (+9,144%)	$631,400 (-2.09%) Land $135,500 Building $495,900	$699,959 (+0.59%)
2025	$75.00 (-98.94%)	$644,900 (+4.18%) Land $127,100 Building $517,800	$695,875
2024	$7,081.00 (+6.07%)	$619,000 (+11.81%) Land $127,100 Building $491,900
2023	$6,676.00	$553,600 Land $127,100 Building $426,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 38 McCormick Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1993)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1993 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 38 McCormick Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, as of December 31, 2025

Cell Coverage

5G and 4G LTE (outdoors only)

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